- November 3, 2023
- Posted by: legaleseblogger
- Category: Related News
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Is it Worth Saving Money for Unexpected Pet Expenses?
IÔÇÖve always managed without pet insurance for my cats and have never encountered any major issues. However, with a new puppy on the way, IÔÇÖm unsure about what steps to take to protect myself financially.
IÔÇÖve taken the initiative to gather insurance quotes from various companies. Unfortunately, I recently experienced the frustration of dealing with overly persistent salespeople from two of these companies. In an attempt to seek clarity, I requested a “free info pack” that I have yet to receive. Additionally, trying to find comprehensive information on their websites has been nothing short of a headache. Most of my inquiries about dental coverage and pre-existing breed-related conditions remain unanswered.
At this point, this whole process seems suspicious, leaving me questioning the legitimacy of these companies. What course of action should I take?
Considering the aforementioned challenges, I believe that utilizing an AI Legalese Decoder could be an invaluable resource. This innovative tool specializes in deciphering complex legal jargon commonly found in insurance policies. By utilizing the AI Legalese Decoder, I can gain a clearer understanding of what each policy covers, including dental treatments and breed-related conditions for my new puppy. This can save me from the hassle of dealing with unresponsive customer service representatives and ensure that I make an informed decision.
Hence, if I decide to pursue pet insurance, I would greatly appreciate your recommendations based on your own experiences and insights.
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AI Legalese Decoder: Revolutionizing the Interpretation of Legal Jargon
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AI Legalese Decoder: Simplifying Legal Language:
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****** just grabbed a
100%. Our cat was hit by a car, crushing his pelvis. HeÔÇÖs only a year old. Was $6,500 to put him back together. Other option was to put him down.
Our insurance costs about $250 a year. No contest. The insurance company paid out near-immediately. I can hear him downstairs now, squeaking for his breakfast.
That money can be replaced, and it has. The thought of having him put down, when he could be saved – well, IÔÇÖd have to live with that choice, forever.
HeÔÇÖs an indoor cat now!
We have two dogs, donÔÇÖt have insurance, never needed it.
Partners best friend has two dogs, doesnÔÇÖt have insurance, has spent thousands in vet bills and continues to. As others have stated itÔÇÖs really your appetite for risk.
We opened not to because after reading the fine print for several insurance plans it seemed they could wiggle out of paying for most things. So if you do, do your research before purchasing.
We donÔÇÖt have insurance but my brother does. They have definitely made the most of it, accidents, allergies, the works.
Last time I went to the vet with ours, she was itching a lot and he said it might also be allergies. What he said to me was the best time to have insurance is the first two years.
Firstly because puppies are stupid and hurt themselves or get into a packet of raisins and need to go to the emergency vet to have their stomach emptied.
Secondly after around two years, anything congenital will likely have surfaced, and you can then make the call to continue or not. If they have something that requires lifelong treatment you are then covered. Otherwise, build up an emergency fund with the money you would put towards insurance for those accidents that might happen, or for old doggy age ailments.
I like having the peace of mind. If my dog gets hip dysplasia, cancer, or breaks a leg, I don’t have to hesitate when I ask the vet to treat him.
I’m with Petcover, formerly known as PetPlan. They have been really good to deal with for the one claim I did make so far. It’s about $65 a month for my golden retriever.
Better putting money aside if you can and have the discipline.
On average insurance will cost you more than it benefits you. It has to, after all it’s a business that’s driven by profit.
We have insurance for our dog, got it when she was a pup. We’ve certainly used it when she was young and susceptible to all the bugs etc. the big one for young dogs is parvo – deadly, common and expensive to treat. Now she’s older we have it more in case of emergencies, I don’t want to hesitate treating her at the emergency vet if she breaks a leg or something.
The $800 a year you’re saving is unlikely to cover anything serious.
A lady at work just tried to claim on her pet insurance for her dogs knee (I think) surgery.
Of the $7000 per knee, they only covered $700. And she has to wait for the policy to roll over next year for the second knee. All while her poor doggo is in too much pain to walk more than three houses down the road.
I’m not sure which insurance company it is, or her policy wording, but it’s definitely something to be mindful of – not every expensive surgery may be covered 🙁
FYI most pet insurance wont cover genetic issues,teeth,etc or anything other than accidents. Better to put the $ into a savings account.
I have had 2 cats since 2014 who have cost me about $1200 at the vets in the last 8 years. If IÔÇÖd been putting 20 a week into a vet account IÔÇÖd have around $8k in there even after the bills. More than enough to cover anythjng that might crop up with them and the money would be mine to keep when they die. (IÔÇÖm a dick though and didnÔÇÖt do this, I just pay when I have to.)
Always a bit of a gamble. Essentially paying a fee in the hope you never have to claim.
Our Labrador got sick last year and needed all sorts of tests / treatments. I wont say how much it all cost all up but we were definitely regretting not having insurance
I have accident only cover for my cat through southern cross. $10 a month. Had for a year and used once so far after she got into a major fight with another cat. Worth it for us as saved around an $800 vet bill.
I adopted a cat two years ago, and the vet bills have totalled about 4k since. This included annual check ups, X-rays of teeth, extraction of two teeth, X-rays of lungs and medicine for asthma. I did a claim this year of all of our vet invoices just pushing my luck and the pet insurer paid back about 80% of what we had paid. Premiums per year were about 270 per anum. And I can’t recall the excess but overall very happy and saved alot of money. I am with petcover
I think it depends on your income and your emergency savings. My cat was alive 13 years and only went to the vet 3 times. The first time was expensive, one day he walked into the house hobbling (broken leg) 2k bill, the other times were only a couple of hundred dollars. I never had insurance. Cats seem to go to the vet less than dogs, but you never know the luck of the drawer if youÔÇÖre going to have a cat/dog with health issues.
I self-fund most insurance and I’d always believed pet insurance was a scam.
Someone posted the other day about total disability insurance, and I worked out from the premium and payout what a ‘zero profit’ probability of claim was, and it was about 10x of the true probability. I.e. 90% of their premium is going in admin overhead and profit. I felt/feel that pet insurance is the same, with a freakishly high percentage going in admin rather than risk mitigation.
Then my dog needed emergency surgery, and I found myself in the awful position of being told by the vet that they’d keep trying as long as I was willing to keep paying, and it might work the first time, the third time, or they might try ten times and none work (at $2k/pop).
Trying to deal with the stress of a loved pet being very sick at the same time as making a rational financial decision about how much to spend? I really wished I’d had insurance to have that extra stress taken away.
We got cats in 2019 and got insurance at the time. In 2020 one had some gut issues and that was about 2K. Then IÔÇÖm 2021 the same cat had a bad reaction to medication and basically started liver failure. Over two months he cost us about 5k. We paid 20% of the cost – no way could we have afforded the full cost.
We did price up adding dental coverage but for cats the annual coverage for cleaning is less than the cleaning cost so for that we are going to self insure.
My partners a emergency vet and 100% pet insurance is worth it.
Southern Cross, wouldn’t be without it. It’s nearly $100/month now with add-ons for an elderly cat but they’re super easy to deal with and we’ve had to claim a few times over the years.
You know what’s really annoying. I have parrots. Can’t find insurance for them!
I read on here once, someone working in the industry said that pet insurance was by far the most profitable for the insurance companies.
Honestly IÔÇÖd say the current trend of ÔÇ£you must have pet insuranceÔÇØ is whatÔÇÖs driving the cost of going to the vet sky high.
ItÔÇÖs basically become like the American healthcare system. Prices skyhigh because they know the insurance will pay it, so if you donÔÇÖt have the insurance you end up screwed, but the system only works that way because insurance exists and it becomes a circular self fulfilling prophecy. Couple it with the rhetoric from those thatÔÇÖve fallen for it, things like ÔÇ£if you donÔÇÖt have it you must not love your petÔÇØ and you can see why pet insurance has rapidly become the most profitable insurance product in NZ for the insurance companies.
It’s a ripoff. I’ve looked and not one insurer will provide fire, nor third party cover. Scam.
I use pet insurance. If you have a specialised breed such as an English mastiff it is mandatory as vet bills for certain injuries common are over 10k.
100% always yes. Pet insurance is essential if you have a cat or dog as high a limit as possible.
Our first cat before we had pet insurance cost is more than the max coverage you can get and we had to pay for it all.
Second cat we got insured and every single year has cost the insurer more than we pay including one year where we would have had to get him put down without insurance and the vet bill was around $15k. Always nicer to keep your companion than get a new one.
We were unlucky having two sickly cats (one spca moggy and one purebred) but you never know.
ItÔÇÖs likely better to put cash away but really the question depends on your risk appetite. With insurances you are covered from day 1 (our there might be a short waiting period). If thereÔÇÖs an issue in the first month, do you have an emergency fund you can draw on?
Theres a good read [here](https://petconnect.co.nz/?p=352) which is quite comprehensive.
I have 3 cats and have pet insurance which has been fantastic (Southern Cross). They reimbursed me when I got them all fixed, they reimburse checkups / vet bills etc. I actually don’t think I could cancel it. My cats are my babies so if something ever went wrong I like knowing they’d be sorted. Some policies are better than others so you’d have to really read into them but I highly recommend.
100%. Hopefully you never need it, but if you do it will save you so much money
It’s a bet like any insurance. Personally we have one of 2 cats insured because she’s a bigger breed that’s known to have health issues. I want to be able to get her any care she needs without worrying.
It’s worth it only when you can use it
But I hope I never have to
Personally I’ve had issues with one of my cats and insurance has been well worth it for me. Vet bills are very expensive if one of your animals has issues, eg needs surgery, so bear that in mind.
Yea 100% worth it! Our dog tore both his cruciate legiments in a couple of years. Ended up claiming around $3500 in a period we paid under $1500 in premiums.